Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) and a capital leverage ratio of 8.8. Weak liquidity 2.5, driven by a liquidity ratio of 19.4 percent and a “hot money” ratio of 8.0 percent.
Asset Mix:
Comm loans (32%), cash (17%), home mtgs (14%), consumer loans (7%), securities (6%), comm re (4%), home eq lns (1%), other (20%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
TransPecos Financial Corp.
Investment Rating
--
Address
217 West Third Street
Pecos, TX 79772
Pecos, TX 79772
Phone Number
(877) 445-9550
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.